A Commercial Real Estate Loan is a type of financing used to purchase, refinance, or renovate income-producing properties such as office buildings, retail centers, warehouses, and apartment complexes. These loans are typically offered to business entities rather than individuals and come with terms that reflect the complexity and scale of commercial investments. Interest rates, down payments, and loan terms vary based on factors such as property type, borrower qualifications, and market conditions.

Used for income-generating properties such as office buildings, retail spaces, warehouses, and multifamily units (5+ units).

Available to business entities like LLCs, corporations, or partnerships—not typically individuals.

Flexible loan structures, including fixed or variable rates, amortization schedules, and balloon payments.

Down payments typically range from 20% to 30%, depending on the loan type and borrower profile.

Loan terms generally range from 5 to 25 years, with longer amortization possible.

Financing available through banks, credit unions, SBA programs, and private lenders.

Requires detailed financial documentation, including business income, tax returns, rent rolls, and property appraisals.

Can be used for purchases, refinancing, or property improvements.

Interest rates influenced by market trends, property type, and borrower creditworthiness.

Potential for equity growth and tax advantages through real estate ownership.

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A Reverse Mortgage for Purchase allows seniors aged 62 and older to buy a new primary residence using a reverse mortgage—without the burden of monthly mortgage payments. This FHA-insured loan helps older adults downsize, move closer to family, or transition into a more suitable home, all while preserving cash flow and retirement savings. Instead of paying for the home in full or taking on a traditional mortgage, borrowers contribute a one-time down payment and finance the rest through the reverse mortgage.

Designed for homeowners aged 62 and older looking to buy a new primary residence.

No monthly mortgage payments required—borrowers must continue to pay property taxes, insurance, and maintenance.

Helps preserve retirement savings by reducing or eliminating the need for cash purchases or traditional loans.

Down payment typically ranges from 45% to 70% of the home’s purchase price, based on the borrower’s age and interest rates.

FHA-insured Home Equity Conversion Mortgage (HECM) program ensures added borrower protections.

Loan repayment deferred until the home is sold, the borrower moves out, or passes away.

Non-recourse loan—you’ll never owe more than the home’s market value when it is sold.

Ideal for downsizing, relocating closer to family, or transitioning into a retirement-friendly home.

HUD-approved counseling is required to ensure borrowers fully understand the terms and responsibilities.

Can only be used for primary residences, not vacation homes or investment properties.